202 1 10 has room for increasing the endowment insurance for urban and rural residents. How much is the specific adjustment? How much did it go up?

This "pension" is not another "pension"

Many people see the pension, which is easily mistaken for the pension of the basic old-age insurance for urban workers. In fact, in addition to the basic old-age insurance for urban workers, our country also has old-age insurance for urban and rural residents.

The basic old-age insurance for urban workers has a normal growth mechanism, which is increasing every year. According to the regulations, retirees' pensions should be adjusted in a timely manner every year according to the wage growth and price growth of employees. On March 5, the state has clearly continued to raise pensions, which refers to this kind of old-age insurance.

The general process is: in the middle and late March, the state issued a notice to adjust the basic pension for retirees. Before the end of May, according to the notice of pension adjustment, all localities formulated the implementation plan of pension adjustment and reported it to Ministry of Human Resources and Social Security; Ministry of Finance. The relevant implementation plan was announced in the middle and late June. The pension will be adjusted before the end of July, and the difference will be reissued from June 5438+ 10.

The endowment insurance for urban and rural residents is different from the basic endowment insurance for employees. Endowment insurance for urban and rural residents, the payment grade is very flexible, the lowest one year is only 100 yuan. All individual contributions go into personal accounts, resulting in personal account pensions. The basic pension benefits are fully subsidized by the state.

For example, employees' pension insurance, if flexible employees bear all social insurance premiums themselves, they have to pay at least seven or eight thousand yuan a year. Among them, only 40% entered the personal account.

Without sufficient financial support, the pension insurance benefits for urban and rural residents can't increase year by year like employee pension insurance. Fortunately, the country's old-age insurance system is liberalized. As long as there is demand and affordability, individuals can participate in the endowment insurance for flexible employees.

The adjustment of urban and rural residents' old-age insurance pension mainly means that the state increases subsidies and raises the basic pension treatment standard. When we say that more than a dozen regions have raised their pensions, we mean that more than a dozen regions have raised their basic pensions.

On July 1 2020, the state raised the basic pension standard from 88 yuan to 93 yuan every month. Local governments can also provide additional subsidies.

Since last July, Shandong Province has raised the pension standard from 1 18 yuan to 142 yuan and Qingdao to 168 yuan.

Jiangsu Province raised the basic pension standard from 1 October 160 yuan to 173 yuan.

Gansu Province will also comprehensively raise the basic pension 5 yuan. The increase is the amount fully allocated by the provincial finance, from 15 yuan in previous years to 20 yuan, and the basic pension standard of the old-age insurance for urban and rural residents in Gansu Province has been raised from 108 yuan to 13 yuan.

Therefore, the pension adjustment in this 10 area is piecemeal, with different standards.

For example, Beijing's basic pension standard is currently adjusted to 820 yuan every month, basically every year. The last adjustment was made in 20 yuan. Shanghai is also adjusted every year. 90 yuan will be increased in 2020, reaching 1 100 yuan per month. These are the two regions with the highest basic pension level in China.

Generally speaking, the advice for young people is: Want higher pension benefits, or participate in the basic old-age insurance for urban workers. If you feel that the personal insurance payment burden is very heavy, you can go to work in the enterprise and only bear the personal part.

For the elderly who have already received pensions, the state is also making continuous efforts to improve the pension for urban and rural residents' pension insurance. I hope the country can further optimize the pension system in the future and try to unify the pension insurance for residents and employees.

I guess the problem is that this policy is confused with the pension that retired workers receive several thousand yuan a month. 202 1, ten regions have improved the old-age insurance for urban and rural residents, but not for urban employees.

The endowment insurance for urban and rural residents is aimed at the people who mainly participate in endowment insurance in rural areas. In the past, you only had to pay a few hundred yuan a year to participate, and the lowest area paid 100 yuan a year, which is true, not a month.

Due to the small amount paid, the total amount received after retirement is also very small. The pension for urban and rural residents consists of two parts. One is the personal payment part, that is, hundreds of dollars paid each year will form a personal account, and after retirement, the part paid by oneself will be returned according to a certain proportion every month. The second part is the state subsidy, which is entirely borne by social security expenditure.

10 regions have increased the state subsidies for urban and rural residents' old-age insurance, and the minimum standards in various regions have been improved. For example, Jiangsu is raised from 160 yuan to 173 yuan; Gansu increased from 108 yuan to 1 13 yuan.

This part of the adjustment is rarely because the original base is low. The area with the highest state subsidy is Shanghai, with a monthly subsidy of 1 100 yuan. The advantages of regional economy are still obvious. No wonder everyone thinks Shanghai is good. This advantage is all-round and all-round.

What the subject wants to know should be the rise of urban endowment insurance. This can't be urgent. This year's pension increase has been confirmed. Each province will start this work according to its own work rhythm. However, it will be April at the earliest, and some identities will be launched every August. Of course, the increase after adjustment will not be given away, and the previous difference will be paid in one lump sum in the month of replacement.

As for the range of upward adjustment, it varies from region to region, from person to person, and from person to person. This has to be calculated by a set of formulas combined with local policies, individual social security payment years, individual age and total pension received by individuals last year. Generally speaking, if your pension last year was not very high, you can increase it by about 6%, otherwise, it is unlikely to exceed 5%.

How much to adjust, how much to increase, the people say it doesn't count, the self-employed who have made small videos say it doesn't count, and the national endowment insurance department has the final say.